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随着小型农村金融机构的信贷业务在全世界范围内得到广泛关注,我国借鉴了国外的成功案例,使小型农村金融机构信贷业务在我国得以发展。但从当前的实践来看,我国小型农村金融机构信贷业务虽然在很大程度上对扶贫和改善低收入群体生活提供了一些支持,但由于其在我国起步较晚,很难实现持续发展。因此,对于我国小型金融机构信贷业务的创新就显得尤为重要。本文主要通过对我国小型农村金融机构信贷业务的发展情况进行论述分析。并对当前小型农村金融机构信贷业务在我国发展过程中遇到的瓶颈进行阐述,以及应如何创新,使其在我国健康持续发展。
With the credit business of small rural financial institutions attracting worldwide attention, our country draws on successful cases from other countries to make the credit business of small rural financial institutions develop in our country. However, from the current practice, although the credit business of small-scale rural financial institutions in our country has provided some support to poverty alleviation and improving the life of low-income groups to a large extent, it is very difficult to achieve sustainable development due to its late start in our country. Therefore, the innovation of the credit business of the small financial institutions in our country is particularly important. This article mainly through the analysis of the development of China’s small rural financial institutions credit business development. And elaborates on the bottlenecks encountered in the current development process of credit business of small rural financial institutions in our country and how to innovate so that it can develop healthily and sustainably in our country.